Health Insurance 1588 views May 21, 2020

Nowadays, health problems are a major concern for many individuals. These problems not only affect the human body but also make the individual financially weak. Therefore, it is better to plan for the health risks that might occur in the future. You must go through the ManipalCigna ProHealth Protect Small Cover Insurance plan because it has different benefits. It provides you an insurance cover during the time of medical emergencies so that you can spend time with your loved ones rather than visiting the banks. This plan is available with a minimum sum assured of 2.5 Lacs and covers pre- and post-hospitalization charges. So, let’s explore the various benefits of this plan.

Health Insurance

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Benefits of ProHealth Protect Insurance Plan of ManipalCigna

Under this Plan, there are various amounts of the Sum Assured so you can take a look at the details of this plan. See all the benefits and then decide whether this plan would be fruitful for you or not.

Sum Assured

In this plan, you can get the sum assured starting from 2.5 Lacs to 50 Lacs. But there are certain options for the amount of sum assured and you will only have to choose among them. You can get a Sum Assured of 2.5 Lacs, 3.5 Lacs, 4.5 Lacs, 5.5 Lacs, 7.5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, and 50 Lacs. Your amount of premium will depend on the amount of the Sum Assured you have Chosen.

Inpatient Hospitalisation

The Inpatient Hospitalisation benefits are divided into two parts depending upon the amount of Sum Assured.
Cover of up to Single Private Room for the Sum Assured of up to 5.5 Lacs.
Cover of any Room Category except Suite or higher category if your Sum Assured Amount is 7.5 Lacs and above.


In this benefit, the company will cover all the medical expenses done prior to 60 days of hospitalization.


In this benefit, the company will cover all the medical expenses done within 90 days after you got discharged from the hospital.

Day Care Treatment

The Day Care Treatment is covered up to the limit of the Sum Assured that you have chosen in the ManipalCigna ProHealth Protect Insurance Plan.

Treatment at Home

The Coverage for the treatment at home is covered up to a certain limit depending upon the Sum Assured that you have opted for at the time of the inception of the policy.

Ambulance Cover

Everyone knows that in a severe medical emergency you need transportation with all the medical facilities. Therefore, in this insurance, you can have the Ambulance cover as well for up to 2000 and it will be paid per hospitalization event.

Donor Expenses

If you are going through any surgery related to the organ transplant then this insurance covers all the expenses done on the donor who is donating the organ. The maximum coverage will be up to the full sum assured.

Worldwide Emergency Cover

The company will also give you a cover even if you get ill outside India. You can make the claim for this benefit only once in a policy year and the maximum amount covered will be the full sum assured.

Restoration of the Sum Assured

Sometimes after making many claims the amount of the Sum Assured Decreases. So the company gives you a restoration benefit in which it will restore the original value of the Sum Assured for an unrelated illness.


You will also get AYUSH Cover for the Ayurvedic Treatment of your disease. The company will cover the expenses done in the AYUSH hospital and the maximum amount for the coverage would be full Sum Assured that you have chosen.

Health Maintenance Benefits

You are entitled to a Health Maintenance Benefits of up to 500 per policy year. The health maintenance expenses are basically done for diagnostic tests, preventive tests, drugs, prosthetics, medical aids (spectacles and contact lenses, hearing aids, crutches, wheelchair, walker, walking stick, lumbosacral belt), prescribed by the specialist Medical Practitioner up to the limits specified in the Schedule, Dental Treatments and AYUSH Forms of Medicines wherever prescribed by a Medical Practitioner.

Value-Added Benefits

There are some value-added benefits in the ManipalCigna ProHealth Protect Small Cover Plan that you might find interesting.

Health Check-Up

The company gives you a free health check-up in this insurance plan if the age of the insured in 18 years and above. You can take a free health check-up once in 3 policy years. The tests that are covered in this benefit are:-

  1. Vitals
  2. ECG
  3. Total Cholesterol
  4. FBS
  5. Sr. Creatinine
  6. CBC
  7. SGPT
  8. Lipid Profile

Consult a Specialist

In case of a critical illness, you can consult a specialist free of cost. This benefit can be taken only once a year.

  1. Cancer of specific severity
  2. Myocardial Infarction (First Heart Attack of specified severity)
  3. Open Chest CABG
  4. Open Heart Replacement or Repair of Heart Valves
  5. Coma of specified severity
  6. Kidney Failure requiring regular dialysis
  7. Stroke resulting in permanent symptoms
  8. Major Organ/Bone Marrow Transplant
  9. Permanent Paralysis of Limbs
  10. Motor Neurone Disease with permanent symptoms
  11. Multiple Sclerosis with persisting symptoms

Cumulative Bonus

The amount of the Sum Assured will increase by 5% every year if you don’t make any claim in the policy year until it reaches a maximum of 200%.

Eligibility Criteria of the ProHealth Protect Insurance Plan

Minimum Age of Entry for Children91 Days
Minimum Age of Entry for Children18 Years
Minimum Sum Assured15 Lacs
Maximum Sum Assured50 Lacs

Earn Some Discounts in the ManipalCigna ProHealth Protect Small Cover Plan

  1. Get a Discount of 25% while covering 2 or more family members in the same policy under the individual policy option.
  2. Enjoy a Discount of 7.5% for Selecting 2 Policy Years.
  3. Enjoy a Discount of 10% for Selecting 3 Policy Years.

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